Management is guiding to mid to high single digit net interest income growth for 2026, has seen net charge-offs fall sharply, and is pairing a long-running $0.15 quarterly dividend with a completed $27.23 million buyback. The company reported Q4 2025 earnings of $0.95 per share, beating analyst consensus of $0.88, with revenue of $94 million during the quarter.
Cyborg Score Rationale
The company beat Q4 earnings with diluted EPS of $0.95 vs. consensus $0.88, and showed operational improvement with NIM-FTE expanding to 3.73% and ROAA annualized at 1.19%, with management targeting 1.15%+ by Q4 2026. Recent analyst upgrades and improving credit metrics suggest solid execution despite regional banking headwinds.
Top Insights
Net charge-offs fell sharply after prior period spikes, and the company is executing shareholder-friendly capital returns with a $27.23 million buyback completed equal to 2.47% of shares, though elevated near-term risks around credit costs have been partially softened.
Five equities research analysts have rated the stock with a Buy rating and two have given a Hold rating.
The company has a market capitalization of $1.29 billion with a P/E ratio of 17.33 and a beta of 0.76, suggesting lower volatility relative to broader market.
Q4 2025 revenue reached $103.4 million, up 15% year-on-year, with better-than-expected sales performance.
Named Competitors
Community Banking — Regional community bank competitor
Community Banking — Regional community bank competitor
Community Banking — Regional community bank competitor
Recent Developments
(January 2026) Q4 2025 earnings beat analyst expectations with $0.95 EPS vs. consensus $0.88; announced mid-to-high single digit NII growth guidance for 2026
(February 2026) Keefe Bruyette & Woods lifted price target to $48 from $43 with 'outperform' rating; DA Davidson set $49 target price
(January 2026) Completed $27.23 million share repurchase representing 2.47% of shares; affirmed $0.15 quarterly dividend
Open the full interactive Origin Bancorp, Inc. report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.